When I meet a family business owner, the business is rarely just a business. It is years of early mornings and missed weekends, work the whole family felt. That is why succession gets personal so quickly. If one of your children will take over the business and the others will not, a simple split does…
When I sit down with two business partners, we often talk about growth, hiring, and the next big contract. The harder conversation is what happens to ownership if one of you dies unexpectedly. Most partners have never actually funded that plan. They may have a shareholder agreement on paper, or a handshake understanding that the…
One of the most common questions I get from grandparents is simple. What can I give a grandchild that will still matter decades from now, long after toys are outgrown? For some families, part of the answer is a small whole life policy for the grandchild, paid for over 20 years and then done. I…
Medcan Executive Health Assessment in Prince Edward Island: A Practical Benefit for Your Leadership Team Most employers I talk to first ask about Medcan for themselves. That makes sense, but it misses where I see the biggest practical value. When a key manager is waiting months for screening results or specialist follow up, the cost…
When I sit down with families after a major diagnosis, the first conversation is rarely about money. It is about confidence. A specialist has given them a diagnosis and a treatment plan. Surgery may be recommended. Treatment may need to start soon. And in the middle of fear and urgency, they are left with a…
When most people picture a disability, they picture something total. A person cannot work at all, and their income stops completely. In my work, that is rarely how it happens. More often, someone gets sick or injured, takes time away, and then starts to recover. They can do part of their job, but not all…
Most families I work with buy life insurance for a season of life. They need protection while the mortgage is large, while the kids are young, and while one income is carrying most of the household. When that season passes, the need gets smaller. That is not true for every family. When I meet parents…
Most people shop for term life insurance by asking one question: how much coverage should I buy? It is an important question, and the answer should come from a real needs analysis and a real conversation, not a formula. But there is a second question that matters just as much, and it gets far less…
Most gifts you give a child are used up, outgrown, or forgotten. A 20-pay whole life policy is different, and the reason is timing. You pay for 20 years, and then you stop. The coverage does not stop. If you start when your child is young, the policy can be fully paid up before they…
I talk to a lot of business owners who are hiring, and the conversation usually goes the same way. They found a great candidate, made a fair offer, and lost them to a bigger company. The bigger company did not always pay more. It just looked safer. Better benefits, a deeper bench, the feeling of…